Fha Appraisal Attic Inspection

In order to pass inspection the home must meet minimum safety security and soundness standards.

Fha appraisal attic inspection.

Fha appraisers are required to observe the attic area. It s what makes the fha appraisal process unique. At a minimum the appraiser must enter head and shoulders into the attic. An fha inspection is conducted by a licensed hud approved property appraiser.

The appraiser must inspect the attic for evidence of possible roof problems. Fha is black and white on many issues but other times appraisers simply need to use good judgment. However hud fha does not have a real definition of attic in their documentation. If the hud approved appraiser flags certain issues such as peeling paint loose handrails or other safety issues those issues must be corrected before the loan will be funded.

Inspection the attic must be examined whether access is by pull down stairway or scuttle. There are things any appraiser will call out in an fha appraisal but there are times when appraisers have to consider how the spirit of fha might apply in a situation. For an fha loan the u s. Department of housing and urban development hud requires this plus an inspection of the home s condition.

So the primary difference between fha and regular appraisals is the level of inspection that is required by hud.